* Told the Farm Credit Administration that the ABA/Independent Bankers Association of America joint proposal for bank access to the Farm Credit System's facilities would do far more for the nation's farmers than the FCA's proposal to expand its Other Financing Institutions program.

* Testified to Congress that consumer delinquencies don't pose a serious threat to the industry. "In fact," ABA stated, "if the banking industry wrote off every dollar of every nonperforming loan--both consumer and business loans--there would still be $23 billion in reserves left over, without even touching the $365 billion in bank capital."

* Filed a brief with four other co-sponsors in Kaplan v. Office of Thrift Supervision, a director liability case.